Cheapest and Best Car Insurance Companies in Yonkers, NY


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Updated: August 30, 2024

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Your driving record and auto insurance preferences determine the cheapest insurer for your needs. You can find the most affordable minimum and full coverage policies with Kemper. The company also has the lowest rates for teens and veterans. Chubb is the best for drivers with at-fault accidents and tickets, whereas American Family is the best after a DUI. Chubb is the best overall, providing a balance of customer service and affordability and ranks at the top for customer service.

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2024

Cheapest and Best Car Insurance in Yonkers, NY

Why Trust MoneyGeek? We analyzed auto insurance costs in Yonkers using data collected from the New York Department of Insurance and Quadrant Information Services. We applied our distinctive ranking system to obtain overall scores for each insurer.

53,640Quotes Analyzed
 
12Companies Compared

Cheapest Minimum Liability Car Insurance in Yonkers

In Yonkers, the cheapest auto insurance policies come from the following companies:

  • Kemper: $465 per year
  • Progressive: $665 per year

Hanover has the priciest minimum coverage policy, costing an average of $3,159 per year. Kemper is also the most affordable auto insurance company in New York, at about $518 yearly. Yonkers’ average premium is lower than the state rate, indicating how premiums can vary based on where you live.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
KemperAnnual Premium$465Monthly Premium$39
ProgressiveAnnual Premium$665Monthly Premium$55
ErieAnnual Premium$847Monthly Premium$71
American FamilyAnnual Premium$866Monthly Premium$72
AllstateAnnual Premium$868Monthly Premium$72
ChubbAnnual Premium$1,056Monthly Premium$88
GEICOAnnual Premium$1,091Monthly Premium$91
State FarmAnnual Premium$1,147Monthly Premium$96
TravelersAnnual Premium$1,851Monthly Premium$154
MercuryAnnual Premium$2,110Monthly Premium$176
HanoverAnnual Premium$3,159Monthly Premium$263

If you purchase a liability-only policy in Yonkers, it will have bodily injury, property damage, death, uninsured motorist and personal injury protection with the following limits:

  • $25,000 in bodily injury liability protection per person
  • $50,000 in bodily injury liability protection per accident
  • $50,000 liability protection per person for death
  • $100,000 liability per accident for death
  • $10,000 in property damage liability per accident
  • $25,000 uninsured motorist coverage per person for bodily injury, up to $50,000 per accident
  • $50,000 personal injury protection

After an at-fault accident, your policy will cover injury, damage and death costs not exceeding these limits. For instance, you will only get up to $50,000 for personal injury, and if your bill exceeds this amount, you must shoulder the rest.

Cheapest Full Coverage Car Insurance in Yonkers

Our analysis determined the following companies offer the cheapest full coverage auto insurance in Yonkers:

  • Kemper: $793 per year
  • Progressive: $1,089 per year

Out of the 11 insurers we reviewed, Hanover has the highest premium for a full coverage policy, averaging $5,265 per year. Kemper has the most affordable full coverage insurance in New York, charging $882 per year. The least expensive insurer in New York is also the cheapest in the city, but average rates vary. That means your actual costs can change based on your location.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
KemperAnnual Premium$793Monthly Premium$66
ProgressiveAnnual Premium$1,089Monthly Premium$91
ErieAnnual Premium$1,539Monthly Premium$128
American FamilyAnnual Premium$1,542Monthly Premium$129
AllstateAnnual Premium$1,545Monthly Premium$129
State FarmAnnual Premium$1,902Monthly Premium$159
GEICOAnnual Premium$2,057Monthly Premium$171
ChubbAnnual Premium$2,160Monthly Premium$180
TravelersAnnual Premium$2,999Monthly Premium$250
MercuryAnnual Premium$4,367Monthly Premium$364
HanoverAnnual Premium$5,265Monthly Premium$439

A full coverage policy includes comprehensive and collision coverage in addition to liability insurance.

  • Collision Insurance: Covers damages to your vehicle after colliding with another car or object.
  • Comprehensive Insurance: Covers the cost resulting from theft or damage from harsh weather, vandalism and other non-collision events.

A full coverage policy is suitable for newer cars because it helps protect your new asset. However, it may not be cost-effective for older vehicles since the cost may exceed your car’s worth.

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Cheapest Car Insurance in Yonkers After a Driving Offense

After a driving offense, the following companies offer the lowest premiums for a full-coverage auto insurance policy in Yonkers:

  • Speeding ticket: Kemper ($983 per year)
  • At-fault accident: Progressive ($1,089 per year)
  • DUI: Kemper ($1,138 per year)

The highest premiums are from Mercury and Hanover, as follows:

  • Speeding ticket: Mercury ($5,340 per year)
  • At-fault accident: Hanover ($5,265 per year)
  • DUI: Hanover ($6,961 per year)

Car insurance costs tend to spike after a traffic violation. In most situations, rates from the most affordable insurer will still be higher than the safe driving rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
KemperAnnual Premium$983Monthly Premium$82
ProgressiveAnnual Premium$1,129Monthly Premium$94
American FamilyAnnual Premium$1,610Monthly Premium$134
AllstateAnnual Premium$1,888Monthly Premium$157
ErieAnnual Premium$1,902Monthly Premium$159
State FarmAnnual Premium$2,097Monthly Premium$175
GEICOAnnual Premium$2,393Monthly Premium$199
ChubbAnnual Premium$2,463Monthly Premium$205
TravelersAnnual Premium$3,423Monthly Premium$285
HanoverAnnual Premium$5,265Monthly Premium$439
MercuryAnnual Premium$5,340Monthly Premium$445

With a clean driving record, you will pay an average of $2,296 per year for auto insurance in Yonkers. After a driving offense, this rate will increase depending on the violation’s severity. In Yonkers, drivers with a DUI on their record pay about $3,501 per year, $1,205 more than a safe driver. Meanwhile, you will pay only $294 more with a speeding ticket. You can still find cheap car insurance after a traffic violation by comparing quotes from providers.

Cheapest Car Insurance in Yonkers for Teens and Their Families

If you intend to add a teen driver to your family policy, the cheapest companies in Yonkers for full coverage are:

  • Kemper: $1,389 per year for female teens; $1,436 per year for male teens
  • Progressive: $2,443 per year for female teens; $2,717 and male teens

Travelers is the highest-priced provider, with an average yearly rate of $6,215 for female teens and $7,536 for male teens. Most companies charge male teens higher premiums because they are riskier to insure. However, the rate variation tapers off as drivers become young adults.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
KemperFamily Plan Annual Premium$1,389Individual Plan Monthly Premium$10,102
ProgressiveFamily Plan Annual Premium$2,443Individual Plan Monthly Premium$21,584
GEICOFamily Plan Annual Premium$2,744Individual Plan Monthly Premium$15,974
AllstateFamily Plan Annual Premium$3,007Individual Plan Monthly Premium$12,670
State FarmFamily Plan Annual Premium$5,666Individual Plan Monthly Premium$9,694
TravelersFamily Plan Annual Premium$6,215Individual Plan Monthly Premium$16,034

Adding teen drivers to a family plan is much more cost-effective than purchasing separate policies. The average cost of adding a teen to a family policy in Kemper is $4,262. Getting a separate policy for your teenager will cost $7,621. That is a difference of $3,358 or 44%. You can also find the cheapest auto insurance for teens by reviewing quotes from multiple providers.

Cheapest Car Insurance in Yonkers for Military Drivers

If you are an active military member or veteran, you can get the cheapest full coverage auto insurance for yourself and family members from these companies:

  • Kemper: $793 per year
  • Progressive: $1,089 per year

USAA also offers affordable auto insurance for military personnel at about $1,493. The insurer has policies and coverage options customized to the needs of military personnel. If you need a minimum coverage policy, Kemper and Progressive have the lowest rates, at $465 and $665 per year, respectively.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
KemperAnnual Premium$793Monthly Premium$66
ProgressiveAnnual Premium$1,089Monthly Premium$91
USAAAnnual Premium$1,493Monthly Premium$124
ErieAnnual Premium$1,539Monthly Premium$128
American FamilyAnnual Premium$1,542Monthly Premium$129
AllstateAnnual Premium$1,545Monthly Premium$129
State FarmAnnual Premium$1,902Monthly Premium$159
GEICOAnnual Premium$2,057Monthly Premium$171
ChubbAnnual Premium$2,160Monthly Premium$180
TravelersAnnual Premium$2,999Monthly Premium$250
MercuryAnnual Premium$4,367Monthly Premium$364
HanoverAnnual Premium$5,265Monthly Premium$439

How to Compare Cheap Yonkers Car Insurance Quotes Online

You can spend 15 minutes or longer getting an online insurance quote, given the amount of personal information you need to provide. Repeating the same process for different insurers can result in spending hours online. With MoneyGeek’s car insurance calculator, you can quickly obtain an estimate just by providing your age, driving history, car make and model and coverage level.

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Oct 11, 2024

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Best Car Insurance in Yonkers: Summary

To determine the top auto insurance provider for your needs, assess your cost, service and coverage needs. Our ranking system indicates that the following company stands out for different categories in Yonkers:

  • Best overall: Chubb (MoneyGeek score 80 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: Chubb (MoneyGeek score 81 out of 100)

MoneyGeek's ratings for an insurer may vary based on each category's weightings. The best car insurance carrier in New York is Erie, with an overall MoneyGeek score of 81 out of 100. However, Chubb is the best in Yonkers, illustrating how location can affect rates. USAA is the best overall if you have a military background, with a score of 80 out of 100.

Best Overall Car Insurance in Yonkers

We considered options that balance customer service and affordability to find the best auto insurance in Yonkers. Our top selections are:

  • Chubb: MoneyGeek score 80 out of 100 ($2,160 per year)
  • Erie: MoneyGeek score 78 out of 100 ($1,539 per year)

Chubb offers the best claims experience and service out of the 11 insurance companies we reviewed in Yonkers. With a MoneyGeek score of 80 out of 100, USAA also offers outstanding coverage for those with a military background.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Offers the best claims experience and user satisfaction

checkmark

Above average score on affordability

checkmark

Offers OEM and diminished value coverage

cons

close

Lacks most of the common coverage options, including roadside assistance, accident forgiveness and gap insurance

COMPANY HIGHLIGHTS

Chubb emerged as our top pick in Yonkers out of 11 insurers because it offers the best service at a reasonable cost. Although it provides a few common add-on coverage options, Chubb has several unique coverages that apply to most drivers.

The company’s original equipment manufacturer (OEM) coverage pays for repairs to your car using original parts. This coverage ensures that your car’s systems continue to work properly in the event of subsequent accidents.

Chubb offers Agreed Value Coverage, where drivers agree on the value of their car when they purchase the policy. If the car gets totaled or stolen, the insurer reimburses the agreed-upon amount, potentially saving the policyholder thousands of dollars. However, this insurer does not provide common add-ons like roadside assistance, accident forgiveness and gap insurance.

Best Car Insurance in Yonkers for Customer Service

We excluded affordability in our weighting when determining the best insurers in Yonkers for customer service. The top options for a full coverage policy are:

  • Chubb: MoneyGeek score 76 out of 100 ($2,160 per year)
  • Erie: MoneyGeek score 70 out of 100 ($1,539 per year)

Chubb is our top pick because it earned the highest customer service and claims handling scores. However, this insurer is one of the priciest in Yonkers, so you will pay more for quality service.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Exceptional customer satisfaction

checkmark

Best for claims management

checkmark

Offers classic car insurance and rental car reimbursement coverage

cons

close

Lacks new car replacement, deductible modification and rideshare insurance

COMPANY HIGHLIGHTS

With policies costing roughly $1,056 per year, Chubb offers the best combination of cost and customer service for drivers interested in the minimum coverage policy. Chubb also offers numerous discounts to help you save on your premiums.

You can, for instance, save by bundling home and auto insurance. You also qualify for a discount if you have an alarm or an active or passive disabling device installed in your car. You are also eligible for reduced premiums if your vehicle has factory-installed anti-lock brakes.

Chubb offers a discount to drivers who complete a defensive driving or accident prevention course. The company also has various rare discounts that its competitors may not offer. For example, you can pay less for coverage if your car has daytime running lights, a honing device or VIN etching.

Best Cheap Car Insurance in Yonkers

The best car insurance providers in Yonkers for policies that meet the New York state minimum requirements are:

  • Chubb: MoneyGeek score 81 out of 100 ($1,056 per year)
  • Erie: MoneyGeek score 78 out of 100 ($847 per year)

Drivers who choose a minimum coverage policy pay the lowest premiums. However, minimum coverage provides the least liability protection and does not cover damages to your car if you get into an accident.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Offers affordable minimum coverage at $1,056 per year

checkmark

Provides discounts if you bundle policies, install anti-theft and or anti-lock brake systems or have a honing device

cons

close

No multiple car, safe driving, airbag, distant student and paperless discounts

COMPANY HIGHLIGHTS

With policies costing roughly $1,056 per year, Chubb offers the best combination of cost and customer service for drivers interested in the minimum coverage policy. Chubb also offers numerous discounts to help you save on your premiums.

You can, for instance, save by bundling home and auto insurance. You also qualify for a discount if you have an alarm or an active or passive disabling device installed in your car. If you have factory-installed anti-lock brakes on your car, you are also eligible for reduced premiums.

Chubb offers a discount to drivers who complete defensive driving or accident prevention training. The company also has various rare discounts that may not be available from its competitors. For example, you can pay less for coverage if your car has daytime running lights, a honing device or VIN etching.

Average Cost of Car Insurance in Yonkers

Car insurance in Yonkers costs about $2,142 per year. That’s $114 more than the average cost of auto insurance in New York. Our analysis also shows that, on average, Yonkers’ auto insurance policies cost $877 more than the national average of $1,265 per year as of October 2022.

The quotes in this study apply to a full coverage policy with $100,000 bodily injury liability protection per person, $300,000 per accident and a property damage liability of $100,000.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.